We all are seeing how the weather of North India has become these days. As soon as winter arrives, pollution increases so much that even breathing becomes difficult. When you wake up in the morning, there is no fog in the sky, but poisonous smoke. Its direct impact is on our health. There are queues of patients suffering from asthma and breathing problems in hospitals.

Illness hurts, but it hurts even more “High cost of treatment”But now a good news has come on this front, Insurance companies are now understanding the changing environment and have made major changes in their policies,

Let us understand in simple language what this new change is and how you will benefit from it.

Now pollution caused diseases will be covered under insurance
Earlier, health insurance companies used to impose many rules and regulations in covering lung diseases. But now Bajaj General Insurance expert Bhaskar Nerurkar says that the situation has changed. Companies are now coming up with such special plans which are especially Respiratory Care Are made for.
The best thing is that in some plans you will no longer have to wait for a long period. That means, took the policy and started covering diseases to pollution. Additionally, companies are now offering lung health checkups and wellness programs.

This disease is no longer just seasonal
We often thought that cough and cold are a result of cold and will go away. But Nerurkar says that now due to pollution these problems are becoming permanent. Asthma, COPD, bronchitis and lung infections are now troubling people not just in one season but throughout the year. In such a situation, one has to visit the doctor again and again, which spoils the household budget.

Even if you are not admitted to hospital, you will still get money!
This is the most useful thing. Earlier the claim was available only when the patient remained admitted in the hospital for 24 hours. But several tremendous benefits have been added to the new policy:

• OPD Cover: Now if you have just gone to see the doctor, then the doctor’s fees, follow-up and medicine expenses will also be covered.


• Cost of test: Be it chest X-ray or expensive CT scan, the money for these can also now be claimed in the policy.


• Tele-consultation: The cost of taking consultation from a doctor sitting at home over phone/video is also included in this.


• Daycare: If you have trouble breathing and go to the hospital, but get treated and return within a few hours (not staying overnight), the insurance company will still cover the cost of the treatment.